Bank Comparison
Farmers Building and Savings Bank vs Pioneer State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 11
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Farmers Building and Savings Bank | Pioneer State Bank |
|---|---|---|
| CET1 Ratio | 47.71% | — |
| Tier 1 Capital Ratio | 47.71% | — |
| Total Capital Ratio | 48.71% | — |
| Tier 1 Leverage Ratio | 20.56% | 15.68% |
| Equity / Assets | 20.44% | 14.95% |
Profitability
| Metric | Farmers Building and Savings Bank | Pioneer State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.58% | -0.77% |
| Return on Equity (ROE) | 2.85% | -5.01% |
| Net Interest Margin (NIM) | 1.98% | 3.37% |
| Yield on Earning Assets | 4.07% | 5.22% |
| Cost of Funds | 2.46% | 1.96% |
Asset quality
| Metric | Farmers Building and Savings Bank | Pioneer State Bank |
|---|---|---|
| Texas Ratio | 4.30% | 0.28% |
| Non-Performing Loan Ratio | 1.82% | 0.00% |
| Non-Performing Asset Ratio | 0.90% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.78% | 1.27% |
Balance sheet
| Metric | Farmers Building and Savings Bank | Pioneer State Bank |
|---|---|---|
| Total Assets | $121,929K | $121,990K |
| Total Deposits | $95,605K | $95,158K |
| Total Loans | $60,191K | $91,740K |
| Total Equity | $24,925K | $18,233K |
| Net Income (quarter) | $177 | $-230 |
Liquidity & funding
| Metric | Farmers Building and Savings Bank | Pioneer State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 62.96% | 96.41% |
| Core Deposit Ratio | 100.00% | 88.29% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers Building and Savings Bank | Pioneer State Bank |
|---|---|---|
| Headquarters City | ROCHESTER | DEER LODGE |
| Headquarters State | PA | MT |
| Asset Tier | 5: $100M-1B | 5: $100M-1B |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 5 | 19 |
| Established | June 30, 1894, midnight | Jan. 1, 1912, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of March 31, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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